<TABLE> <S> <C>




<ARTICLE>                                                             9
<MULTIPLIER>                                                      1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                                           DEC-31-1997
<PERIOD-START>                                              JAN-01-1997
<PERIOD-END>                                                JUN-30-1997
<CASH>                                                            3,887
<INT-BEARING-DEPOSITS>                                            1,190
<FED-FUNDS-SOLD>                                                    168
<TRADING-ASSETS>                                                  6,733
<INVESTMENTS-HELD-FOR-SALE>                                      20,219
<INVESTMENTS-CARRYING>                                            4,088
<INVESTMENTS-MARKET>                                              3,880
<LOANS>                                                          67,737
<ALLOWANCE>                                                       1,436
<TOTAL-ASSETS>                                                  112,489
<DEPOSITS>                                                       97,959
<SHORT-TERM>                                                         50
<LIABILITIES-OTHER>                                                 903
<LONG-TERM>                                                         218
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                          16
<COMMON>                                                             20
<OTHER-SE>                                                       13,323
<TOTAL-LIABILITIES-AND-EQUITY>                                  112,489
<INTEREST-LOAN>                                                   2,960
<INTEREST-INVEST>                                                   960
<INTEREST-OTHER>                                                     46
<INTEREST-TOTAL>                                                  3,966
<INTEREST-DEPOSIT>                                                1,767
<INTEREST-EXPENSE>                                                1,793
<INTEREST-INCOME-NET>                                             2,173
<LOAN-LOSSES>                                                        90
<SECURITIES-GAINS>                                                1,529
<EXPENSE-OTHER>                                                   2,109
<INCOME-PRETAX>                                                   1,956
<INCOME-PRE-EXTRAORDINARY>                                        1,956
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,956
<EPS-PRIMARY>                                                      0.60
<EPS-DILUTED>                                                      0.50
<YIELD-ACTUAL>                                                     4.50
<LOANS-NON>                                                       1,223
<LOANS-PAST>                                                        947
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  1,624
<CHARGE-OFFS>                                                       348
<RECOVERIES>                                                         70
<ALLOWANCE-CLOSE>                                                 1,436
<ALLOWANCE-DOMESTIC>                                                416
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                           1,020
        

</TABLE>